Credit Advice

Have a question? Have advice to share? The combined knowledge and experience of everyone in the Credit Karma community can help you. Enter your question or help others below to get started!

Question

Posted in Credit Scores
Profile Image

Question By
LuckyHell

0 Contributions
0 People Helped
How can I build Credit when I have none?
I currently have 0 credit. I am 23, I have a debit card with 53rd bank as a student account and I pay apartment rent and electric with it. I currently have 2 dings on my credit from trying to apply for credit cards at Lowe's(where I work) and at Wal-mart since someone told me they built credit from there. So 2 dings, no credit, and no debt. I'm in school, live in an apartment, and work.

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.

SIGN UP NOW
All Responses

Result 1-1 of 1Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next
Top Contributor
9946 Contributions
4252 People Helped
Most Helpful Response

Helpful to 1 out of 1 people

First off, I seriously recommend working on reading the articles here to learn how credit really works and these articles really do help.  I have degrees in accounting and business and nothing about credit was included in the curriculum, so I really learned a lot here to my benefit.  Then you will have to start with a secured card and build from there. It takes some smart usage of credit with the secured card to qualify for an unsecured card, but it can be done rather quickly. Try out the financial tools  provided here, also. And never close a credit card since that hurts rather.

Result 1-1 of 1Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.

SIGN UP NOW

Reply to this Question

Write your response:
Enter Your Comments

The Credit Advice pages of the Site may contain messages submitted by users over whom Credit Karma has no control. Credit Karma cannot guarantee the accuracy, integrity or quality of any such messages. Some users may post messages that are misleading, untrue or offensive. You must bear all risk associated with your use of the Credit Advice pages and should not rely on messages in making (or refraining from making) any specific financial or other decisions.